3 Steps to financial success in your 40’s.

Financial Advisor - Smart Happy Money

Have you turned the big 40? This decade is one of the most important when it comes to your financial success. Usually, you are entering a higher income earning period of your life. You may have partnered up, you could have kids. You are dealing with a mortgage or rent, rising living costs, school fees,…

Under 40, your super still matters. Here’s three things you can do to boost you

Financial Advisor - Smart Happy Money

So, you’re under forty. Should you be thinking about your superannuation? The answer is yes. I’m also under forty, and I think it is very important for us all. So, what can we do to boost our retirement savings? Well, here are 3 ways to boost your super. 1: Consolidate it into one account Do…

What is Financial Planning?

Financial Advisor - Smart Happy Money

When people think of financial planning they think about investment management. Where should I invest my money? Who will invest it for me? While this plays a part of a financial plan, and any good financial advisor will recommend that you invest your money a certain way, it is only a small part of a…

Everybody wants to retire, but do you know how it actually works?

Financial Advisor - Smart Happy Money

Most of us have superannuation, and most of us understand, in general, how it works while we work, but how many of us understand how superannuation works in retirement? Firstly, and often most unwisely you can access it as a lump sum and withdraw it from super altogether. This is (usually) not a great option…